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Beach Cities Commercial Bank, Performance and Condition Ratios
| 2024-03-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 11 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.7838% | 426 |
| Cost of funding earning assets | 2.2299% | 1,487 |
| Net interest margin | 4.5539% | 553 |
| Noninterest income to average assets | 0.0400% | 4,422 |
| Noninterest expense to average assets | 12.1093% | 103 |
| Loan and lease loss provision to assets | 1.8100% | 38 |
| Net operating income to assets | -9.6714% | 4,583 |
| Return on assets (ROA) | -9.6714% | 4,583 |
| Pretax return on assets | -9.6642% | 4,584 |
| Return on Equity (ROE) | -28.3100% | 4,541 |
| Retained earnings to average equity (ytd only) | -28.3112% | 4,482 |
| Net charge-offs to loans | 0.0000% | 2,236 |
| Credit loss provision to net charge-offs | 0.0000% | 1,619 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,130 |
| Efficiency ratio | 284.4444% | 9 |
| Assets per employee ($millions) | 2.2134% | 4,420 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,272 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3667% | 1,503 |
| Loan loss allowance to noncurrent loans | 0.0000% | 3,825 |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 3,894 |
| Noncurrent loans to loans | 0.0000% | 3,844 |
| Net loans and leases to total assets | 63.5800% | 2,511 |
| Net loans and leases to deposits | 96.0745% | 713 |
| Net loans and leases to core deposits | 97.8981% | 1,527 |
| Total domestic deposits to total assets | 66.1800% | 4,369 |
| Equity capital to assets | 29.3134% | 159 |
| Core capital (leverage) ratio | 34.8340% | 103 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 2,874 |
| Memoranda: | ||
| Average total assets | $54,966,000 | 4,247 |
| Average earning assets | $50,945,000 | 4,235 |
| Average equity | $18,777,000 | 3,039 |
| Average total loans | $31,015,500 | 4,135 |
| 2023-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0042% | 43 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 1,920.0000% | 42 |
| Cost of funding earning assets | 317.0000% | 14 |
| Net interest margin | 0.0000% | 4,558 |
| Noninterest income to average assets | 0.0000% | 4,534 |
| Noninterest expense to average assets | NA | NA |
| Loan and lease loss provision to assets | 0.0000% | 3,179 |
| Net operating income to assets | 0.0000% | 4,329 |
| Return on assets (ROA) | -10.7065% | 4,603 |
| Pretax return on assets | -10.7040% | 4,603 |
| Return on Equity (ROE) | -21.1000% | 4,552 |
| Retained earnings to average equity (ytd only) | NA | NA |
| Net charge-offs to loans | 0.0000% | 2,917 |
| Credit loss provision to net charge-offs | 4.0000% | 2,349 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,831 |
| Efficiency ratio | 0.0000% | 4,579 |
| Assets per employee ($millions) | 0.0000% | 4,576 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,404 |
| Condition Ratios (%) | ||
| Loss allowance to loans | NA | NA |
| Loan loss allowance to noncurrent loans | 0.0000% | 3,805 |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 3,871 |
| Noncurrent loans to loans | 0.0000% | 3,821 |
| Net loans and leases to total assets | 0.0000% | 4,475 |
| Net loans and leases to deposits | NA | NA |
| Net loans and leases to core deposits | 0.0000% | 4,493 |
| Total domestic deposits to total assets | 0.0000% | 4,545 |
| Equity capital to assets | 0.0000% | 4,583 |
| Core capital (leverage) ratio | NA | NA |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 2,896 |
| Memoranda: | ||
| Average total assets | $-3,929,000 | 4,611 |
| Average earning assets | $6,428 | 4,566 |
| Average equity | $0 | 4,538 |
| Average total loans | $0 | 4,477 |
| 2023-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 10 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.0639% | 4,592 |
| Cost of funding earning assets | 0.5640% | 4,037 |
| Net interest margin | 1.5000% | 4,528 |
| Noninterest income to average assets | 0.0000% | 4,562 |
| Noninterest expense to average assets | 13.8662% | 88 |
| Loan and lease loss provision to assets | 0.4200% | 190 |
| Net operating income to assets | -12.9068% | 4,632 |
| Return on assets (ROA) | -12.9068% | 4,631 |
| Pretax return on assets | -12.9068% | 4,631 |
| Return on Equity (ROE) | -22.4900% | 4,576 |
| Retained earnings to average equity (ytd only) | -22.4872% | 4,555 |
| Net charge-offs to loans | 0.0000% | 2,666 |
| Credit loss provision to net charge-offs | 0.0000% | 2,098 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,572 |
| Efficiency ratio | 1,007.5718% | 4 |
| Assets per employee ($millions) | 1.5105% | 4,493 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,002 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4083% | 1,418 |
| Loan loss allowance to noncurrent loans | 0.0000% | 3,833 |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 3,901 |
| Noncurrent loans to loans | 0.0000% | 3,847 |
| Net loans and leases to total assets | 20.6800% | 4,431 |
| Net loans and leases to deposits | 49.1229% | 3,971 |
| Net loans and leases to core deposits | 50.6676% | 4,022 |
| Total domestic deposits to total assets | 42.0900% | 4,515 |
| Equity capital to assets | 52.4775% | 129 |
| Core capital (leverage) ratio | 56.6731% | 81 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 2,911 |
| Memoranda: | ||
| Average total assets | $37,106,000 | 4,433 |
| Average earning assets | $34,044,000 | 4,409 |
| Average equity | $21,297,500 | 2,735 |
| Average total loans | $4,118,500 | 4,489 |
| 2023-06-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 43 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 0.4981% | 4,640 |
| Cost of funding earning assets | 0.0311% | 4,557 |
| Net interest margin | 0.4670% | 4,610 |
| Noninterest income to average assets | 0.0000% | 4,595 |
| Noninterest expense to average assets | 12.4792% | 95 |
| Loan and lease loss provision to assets | 0.0000% | 2,857 |
| Net operating income to assets | -12.0499% | 4,661 |
| Return on assets (ROA) | -12.0499% | 4,660 |
| Pretax return on assets | -12.0499% | 4,660 |
| Return on Equity (ROE) | -19.1500% | 4,609 |
| Retained earnings to average equity (ytd only) | -19.1494% | 4,574 |
| Net charge-offs to loans | 0.0000% | 2,455 |
| Credit loss provision to net charge-offs | 0.0000% | 1,862 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,403 |
| Efficiency ratio | 2,906.6667% | 1 |
| Assets per employee ($millions) | 1.6637% | 4,521 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,909 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.0000% | 4,517 |
| Loan loss allowance to noncurrent loans | 0.0000% | 3,834 |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 3,917 |
| Noncurrent loans to loans | 0.0000% | 3,848 |
| Net loans and leases to total assets | 0.0000% | 4,533 |
| Net loans and leases to deposits | 0.0000% | 4,532 |
| Net loans and leases to core deposits | 0.0000% | 4,550 |
| Total domestic deposits to total assets | 31.3900% | 4,548 |
| Equity capital to assets | 62.9258% | 120 |
| Core capital (leverage) ratio | 385.7694% | 2 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 2,936 |
| Memoranda: | ||
| Average total assets | $34,938,000 | 4,479 |
| Average earning assets | $32,119,000 | 4,452 |
| Average equity | $21,985,000 | 2,696 |
| Average total loans | $0 | 4,533 |